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Visa® Credit Card Rates

Rates effective January 21, 2011. APR = Annual Percentage Rate.
DCU Visa Platinum

Visa Additional Federal Disclosure Table
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances
8.50% to 18.00% when you open your account, based on your creditworthiness.
After that, your APR will vary with the market based on the Prime Rate.*
Penalty APR (Delinquency) and When it Applies
18.00%
This APR may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive payments (minimum or higher) when due, beginning with the first payment due following the effective date of the change.
How to Avoid Paying Interest on Purchases Your due date is approximately 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
Minimum Payment Due This figure will be reflected on your statements and will be either: (a) 1.75% of your Ending Statement Balance, rounded to the nearest dollar, or $25, whichever is greater, or (b) your Payoff Amount if less than $25.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Annual Fee None
Minimum Finance Charge
  •  Balance Transfer
  •  Cash Advance
  •  Foreign Currency Transaction
 
None
None
Conversion Fee: 2%. Conveyance in US Funds Fee (no conversion necessary) 0.80%.
Penalty Fees
  •  Late Payment
  •  Overlimit
 
Up to $35 per occurence
None
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".
* The Prime Rate used to determine your APR is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceeding the start of each billing cycle.
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DCU Visa Platinum Rewards

Visa Additional Federal Disclosure Table
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances
11.25% to 18.00% when you open your account, based on your creditworthiness.
After that, your APR will vary with the market based on the Prime Rate.*
Penalty APR (Delinquency) and When it Applies
18.00%
This APR may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive payments (minimum or higher) when due, beginning with the first payment due following the effective date of the change.
How to Avoid Paying Interest on Purchases Your due date is approximately 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
Minimum Payment Due This figure will be reflected on your statements and will be either: (a) 1.75% of your Ending Statement Balance, rounded to the nearest dollar, or $25, whichever is greater, or (b) your Payoff Amount if less than $25.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Annual Fee None
Minimum Finance Charge
  •  Balance Transfer
  •  Cash Advance
  •  Foreign Currency Transaction
 
None
None
Conversion Fee: 2%. Conveyance in US Funds Fee (no conversion necessary) 0.80%.
Penalty Fees
  •  Late Payment
  •  Overlimit
 
Up to $35 per occurence
None
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".
* The Prime Rate used to determine your APR is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceeding the start of each billing cycle.
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Secured Visa Platinum Accounts

Visa Additional Federal Disclosure Table
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances
11.50%
After that, your APR will vary with the market based on the Prime Rate.*
Penalty APR (Delinquency) and When it Applies
18.00%
This APR may be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply? If your APR is increased for this reason, the Penalty APR will apply until you make six consecutive payments (minimum or higher) when due, beginning with the first payment due following the effective date of the change.
How to Avoid Paying Interest on Purchases Your due date is approximately 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None
Minimum Payment Due This figure will be reflected on your statements and will be either: (a) 1.75% of your Ending Statement Balance, rounded to the nearest dollar, or $25, whichever is greater, or (b) your Payoff Amount if less than $25.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Annual Fee None
Minimum Finance Charge
  •  Balance Transfer
  •  Cash Advance
  •  Foreign Currency Transaction
 
None
None
Conversion Fee: 2%. Conveyance in US Funds Fee (no conversion necessary) 0.80%.
Penalty Fees
  •  Late Payment
  •  Overlimit
 
Up to $35 per occurence
None
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)".
* The Prime Rate used to determine your APR is the Prime Rate as published in the Wall Street Journal at the end of the month immediately preceeding the start of each billing cycle.
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Digital Federal Credit Union
Digital Federal Credit Union
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
508.263.6700 • 800.328.8797
 DCU is an Equal Housing Lender    Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. Select for more information.
 
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